Cardstack Product Strategy - 2019 Q2

Full Talk: https://www.youtube.com/watch?v=3AmjAvQGSYw
Blog Post: https://medium.com/cardstack/so-whats-the-cardstack-product-dfd9223dc300

Chris Tse, Founding Director of the Cardstack Project, gives an update on the strategy for the Cardstack product. He explains how the infrastructure and the basic building blocks add up to something that can actually be experienced by the different participants of the ecosystem—the users, the developers, the service providers, and the businesses.

While the users, developers, service providers, and businesses all have their own approach to and use for Cardstack, they are all connected through their participation in the ecosystem. What makes these unique yet interconnected experiences possible—that’s the Cardstack product.

The composable UI system called the “Card SDK” enables developers to create, deploy, and sell cards in the front-end. Meanwhile, the decentralized application server called the “Cardstack Hub” powers the whole experience in the back-end. Finally, the multi-currency payment and billing network called the “CARD Protocol” sits in the middle, to ensure a fair, decentralized network—and ultimately create a thriving, sustainable marketplace.

Transcript

1. CARDSTACK
   V8
   CHRIS TSE
   Founding Director
   Cardstack Project
   chris.tse@cardstack.com
   Cardstack
   Product
   Strategy
   JUNE 2019 UPDATE
   

   View Slide

2. p
   d
   u
   USERS DEVELOPERS PROVIDERS
   b
   BUSINESSES
   • Best Selection
   • Best Price
   • Best Service
   • Easy to Learn & Build
   • Broad Distribution
   • Low/No Operating Cost
   • Easy to Deploy
   • Sticky Customers
   • Sustainable Margins
   • Dependable
   • Support Available
   • Cost Effective
   CARDSTACK ECOSYSTEM PARTICIPANTS
   $5 per month
   for everything you need
   One unified SDK to create,
   deploy, and upsell
   One stack to manage on
   any containerized cloud
   White-label software
   with open source core
   

   View Slide

3. p
   b
   d
   u
   USERS
   PROVIDERS
   BUSINESSES DEVELOPERS
   $5 per month
   for everything you need
   One unified SDK to create,
   deploy, and upsell
   One stack to manage on
   any containerized cloud
   White-label software
   with open source core
   CARDSTACK
   ECOSYSTEM PARTICIPANTS
   CATALOG
   TALLY REWARD
   FLOW
   

   View Slide

4. p
   b
   d
   u
   USERS
   PROVIDERS
   BUSINESSES DEVELOPERS
   One unified SDK to create,
   deploy, and upsell
   CARDSTACK
   FOCUS ON DEVELOPMENT TOOLS
   CATALOG
   TALLY REWARD
   FLOW CARD SDK
   HUB
   

   View Slide

5. Card SDK
   Composable UI System
   CARD Protocol
   Multi-Currency Payment & Billing Network
   Cardstack Hub
   Decentralized Application Server
   Deposits
   How much value did
   you put in the pool?
   Cumulative Pool in Smart Contract
   Direct
   via Financial
   Intermediaries
   via Exchanges
   or DEX
   as Tradable
   Tokens
   as Fiat
   Currencies
   as Supported
   Crypto
   Non-Tradable
   Tokens (CLUTCH)
   Tradable
   Tokens
   What are your deposits
   or earnings worth?
   Historical Exchange Rates in Database
   USD
   ETH
   ERC20
   Fiat via
   Credit Card Crypto
   Currencies Tokenized
   Assets
   USDETH
   USDERC20
   ETHERC20
   What currency or assets
   did you pay with?
   How much is available
   for you to spend?
   Customers
   How much usage
   are you billed for?
   Service Providers
   How much can you take
   out of the pool?
   Withdrawals
   Market Rates
   Billable Usage
   Spendable Balance
   Purchases
   Reward
   Pool
   Locked
   Reserve
   Rendered
   Services
   Contributes
   towards
   Redeem
   against
   Backs the
   value of
   Orchestrate
   Workflows
   Schema-driven
   APIs
   Bill for
   Usage
   Serve
   Users
   Connect to Data
   Sources
   Blockchain
   On-chain Assets
   Smart Contracts
   Full or Light Node
   Cloud
   Log-based Ingestion
   Query-based Integration
   Service-based Invocation
   Human
   Judgment
   Request
   Review
   Take Action
   Machine
   Learning
   Observe
   Suggest Action
   Get Feedback
   Device
   Device Storage
   Secure Enclave
   App-specific APIs
   Apps
   Cards
   APIs
   Prepaid
   or
   Subscription
   Decision
   Queuing
   Threading
   Authorization
   Metering
   Indexing
   Persistence Versioning
   Signature
   Notification
   Authentication
   Automation
   Card
   Catalog
   User
   Experience
   Identity
   Representations
   Payment
   Methods
   Cards built with the Card SDK can be:
   - deployed in a stand-alone Web app
   - embedded inside another app
   - overlaid across multiple apps
   © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com
   Developers can create cards by writing:
   - templates (HTML + CSS + JavaScript)
   - schema definitions (JSON:API)
   - data source mapping and computation (JS)
   Content Cards
   Stand-alone
   Embedded
   Overlay
   Data Cards
   Asset Cards
   0xABCD...4321
   2.03 ETH
   Membership Card
   Since 2018
   Contact Card
   mi***@gm***.com
   Credential Card
   Signed in as
   Subscription Card
   BASIC
   Per Month
   $5
   Credit Card
   Reload
   $5
   Reward Card
   Earned
   $13.19
   Prepaid Card
   Available
   $64.13
   Action Cards
   WITHDRAW
   VERIFIED
   CARD Protocol
   Multi-Currency Payment & Billing Network
   Cardstack Hub
   Decentralized Application Server
   Deposits
   How much value did
   you put in the pool?
   Cumulative Pool in Smart Contract
   Direct
   via Financial
   Intermediaries
   via Exchanges
   or DEX
   as Tradable
   Tokens
   as Fiat
   Currencies
   as Supported
   Crypto
   Non-Tradable
   Tokens (CLUTCH)
   Tradable
   Tokens
   What are your deposits
   or earnings worth?
   Historical Exchange Rates in Database
   USD
   ETH
   ERC20
   Fiat via
   Credit Card Crypto
   Currencies Tokenized
   Assets
   USDETH
   USDERC20
   ETHERC20
   What currency or assets
   did you pay with?
   How much is available
   for you to spend?
   Customers
   How much usage
   are you billed for?
   Service Providers
   How much can you take
   out of the pool?
   Withdrawals
   Market Rates
   Billable Usage
   Spendable Balance
   Purchases
   Reward
   Pool
   Locked
   Reserve
   Rendered
   Services
   Contributes
   towards
   Redeem
   against
   Backs the
   value of
   Orchestrate
   Workflows
   Schema-driven
   APIs
   Bill for
   Usage
   Serve
   Users
   Connect to Data
   Sources
   Blockchain
   On-chain Assets
   Smart Contracts
   Full or Light Node
   Cloud
   Log-based Ingestion
   Query-based Integration
   Service-based Invocation
   Human
   Judgment
   Request
   Review
   Take Action
   Machine
   Learning
   Observe
   Suggest Action
   Get Feedback
   Device
   Device Storage
   Secure Enclave
   App-specific APIs
   Apps
   Cards
   APIs
   Prepaid
   or
   Subscription
   Decision
   Queuing
   Threading
   Authorization
   Metering
   Indexing
   Persistence Versioning
   Signature
   Notification
   Authentication
   Automation
   Payment
   Methods
   https://cardstack.com © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com
   ting:
   t)
   tion (JS)
   t Card
   Reload
   $5
   rd Card
   Earned
   $13.19
   aid Card
   Available
   $64.13
   Card SDK
   Composable UI System
   CARD Protocol
   Multi-Currency Payment & Billing Network
   C
   D
   Deposits
   How much value did
   you put in the pool?
   Cumulative Pool in Smart Contract
   Direct
   via Financial
   Intermediaries
   via Exchanges
   or DEX
   as Tradable
   Tokens
   as Fiat
   Currencies
   as Supported
   Crypto
   Non-Tradable
   Tokens (CLUTCH)
   Tradable
   Tokens
   What are your deposits
   or earnings worth?
   Historical Exchange Rates in Database
   USD
   ETH
   ERC20
   Fiat via
   Credit Card Crypto
   Currencies Tokenized
   Assets
   USDETH
   USDERC20
   ETHERC20
   What currency or assets
   did you pay with?
   How much is available
   for you to spend?
   Customers
   How much usage
   are you billed for?
   Service Providers
   How much can you take
   out of the pool?
   Withdrawals
   Market Rates
   Billable Usage
   Spendable Balance
   Purchases
   Reward
   Pool
   Locked
   Reserve
   Rendered
   Services
   Contributes
   towards
   Redeem
   against
   Backs the
   value of
   B
   U
   Lo
   Que
   Serv
   Prepaid
   or
   Subscription
   Card
   Catalog
   User
   Experience
   Identity
   Representations
   Payment
   Methods
   Cards built with the Card SDK can be:
   - deployed in a stand-alone Web app
   - embedded inside another app
   - overlaid across multiple apps
   © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com © 2019 Cardstack Foundation. Car
   Developers can create cards by writing:
   - templates (HTML + CSS + JavaScript)
   - schema definitions (JSON:API)
   - data source mapping and computation (JS)
   Content Cards
   Stand-alone
   Embedded
   Overlay
   Data Cards
   Asset Cards
   0xABCD...4321
   2.03 ETH
   Membership Card
   Since 2018
   Contact Card
   mi***@gm***.com
   Credential Card
   Signed in as
   Subscription Card
   BASIC
   Per Month
   $5
   Credit Card
   Reload
   $25
   $10
   $5
   Reward Card
   Earned
   $13.19
   Prepaid Card
   Available
   $64.13
   Action Cards
   WITHDRAW
   VERIFIED
   

   View Slide

6. Card SDK
   Composable UI System
   CARD Protocol
   Multi-Currency Payment & Billing Network
   Cardstack Hub
   Decentralized Application Server
   Deposits
   How much value did
   you put in the pool?
   Cumulative Pool in Smart Contract
   Direct
   via Financial
   Intermediaries
   via Exchanges
   or DEX
   as Tradable
   Tokens
   as Fiat
   Currencies
   as Supported
   Crypto
   Non-Tradable
   Tokens (CLUTCH)
   Tradable
   Tokens
   What are your deposits
   or earnings worth?
   Historical Exchange Rates in Database
   USD
   ETH
   ERC20
   Fiat via
   Credit Card Crypto
   Currencies Tokenized
   Assets
   USDETH
   USDERC20
   ETHERC20
   What currency or assets
   did you pay with?
   How much is available
   for you to spend?
   Customers
   How much usage
   are you billed for?
   Service Providers
   How much can you take
   out of the pool?
   Withdrawals
   Market Rates
   Billable Usage
   Spendable Balance
   Purchases
   Reward
   Pool
   Locked
   Reserve
   Rendered
   Services
   Contributes
   towards
   Redeem
   against
   Backs the
   value of
   Orchestrate
   Workflows
   Schema-driven
   APIs
   Bill for
   Usage
   Serve
   Users
   Connect to Data
   Sources
   Blockchain
   On-chain Assets
   Smart Contracts
   Full or Light Node
   Cloud
   Log-based Ingestion
   Query-based Integration
   Service-based Invocation
   Human
   Judgment
   Request
   Review
   Take Action
   Machine
   Learning
   Observe
   Suggest Action
   Get Feedback
   Device
   Device Storage
   Secure Enclave
   App-specific APIs
   Apps
   Cards
   APIs
   Prepaid
   or
   Subscription
   Decision
   Queuing
   Threading
   Authorization
   Metering
   Indexing
   Persistence Versioning
   Signature
   Notification
   Authentication
   Automation
   Card
   Catalog
   User
   Experience
   Identity
   Representations
   Payment
   Methods
   Cards built with the Card SDK can be:
   - deployed in a stand-alone Web app
   - embedded inside another app
   - overlaid across multiple apps
   © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com
   Developers can create cards by writing:
   - templates (HTML + CSS + JavaScript)
   - schema definitions (JSON:API)
   - data source mapping and computation (JS)
   Content Cards
   Stand-alone
   Embedded
   Overlay
   Data Cards
   Asset Cards
   0xABCD...4321
   2.03 ETH
   Membership Card
   Since 2018
   Contact Card
   mi***@gm***.com
   Credential Card
   Signed in as
   Subscription Card
   BASIC
   Per Month
   $5
   Credit Card
   Reload
   $5
   Reward Card
   Earned
   $13.19
   Prepaid Card
   Available
   $64.13
   Action Cards
   WITHDRAW
   VERIFIED
   Card SDK
   Composable UI System
   CARD Protocol
   Multi-Currency Payment & Billing Network
   Cardstack Hub
   Decentralized Application Server
   Deposits
   How much value did
   you put in the pool?
   Cumulative Pool in Smart Contract
   Direct
   via Financial
   Intermediaries
   via Exchanges
   or DEX
   as Tradable
   Tokens
   as Fiat
   Currencies
   as Supported
   Crypto
   Non-Tradable
   Tokens (CLUTCH)
   Tradable
   Tokens
   What are your deposits
   or earnings worth?
   Historical Exchange Rates in Database
   USD
   ETH
   ERC20
   Fiat via
   Credit Card Crypto
   Currencies Tokenized
   Assets
   USDETH
   USDERC20
   ETHERC20
   What currency or assets
   did you pay with?
   How much is available
   for you to spend?
   Customers
   How much usage
   are you billed for?
   Service Providers
   How much can you take
   out of the pool?
   Withdrawals
   Market Rates
   Billable Usage
   Spendable Balance
   Purchases
   Reward
   Pool
   Locked
   Reserve
   Rendered
   Services
   Contributes
   towards
   Redeem
   against
   Backs the
   value of
   Orchestrate
   Workflows
   Schema-driven
   APIs
   Bill for
   Usage
   Serve
   Users
   Connect to Data
   Sources
   Blockchain
   On-chain Assets
   Smart Contracts
   Full or Light Node
   Cloud
   Log-based Ingestion
   Query-based Integration
   Service-based Invocation
   Human
   Judgment
   Request
   Review
   Take Action
   Machine
   Learning
   Observe
   Suggest Action
   Get Feedback
   Device
   Device Storage
   Secure Enclave
   App-specific APIs
   Apps
   Cards
   APIs
   Prepaid
   or
   Subscription
   Decision
   Queuing
   Threading
   Authorization
   Metering
   Indexing
   Persistence Versioning
   Signature
   Notification
   Authentication
   Automation
   Card
   Catalog
   User
   Experience
   Identity
   Representations
   Payment
   Methods
   Cards built with the Card SDK can be:
   - deployed in a stand-alone Web app
   - embedded inside another app
   - overlaid across multiple apps
   © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com
   Developers can create cards by writing:
   - templates (HTML + CSS + JavaScript)
   - schema definitions (JSON:API)
   - data source mapping and computation (JS)
   Content Cards
   Stand-alone
   Embedded
   Overlay
   Data Cards
   Asset Cards
   0xABCD...4321
   2.03 ETH
   Membership Card
   Since 2018
   Contact Card
   mi***@gm***.com
   Credential Card
   Signed in as
   Subscription Card
   BASIC
   Per Month
   $5
   Credit Card
   Reload
   $5
   Reward Card
   Earned
   $13.19
   Prepaid Card
   Available
   $64.13
   Action Cards
   WITHDRAW
   VERIFIED
   Card SDK
   Composable UI System
   CARD Protocol
   Multi-Currency Payment & Billing Network
   Cardstack Hub
   Decentralized Application Server
   Deposits
   How much value did
   you put in the pool?
   Cumulative Pool in Smart Contract
   Direct
   via Financial
   Intermediaries
   via Exchanges
   or DEX
   as Tradable
   Tokens
   as Fiat
   Currencies
   as Supported
   Crypto
   Non-Tradable
   Tokens (CLUTCH)
   Tradable
   Tokens
   What are your deposits
   or earnings worth?
   Historical Exchange Rates in Database
   USD
   ETH
   ERC20
   Fiat via
   Credit Card Crypto
   Currencies Tokenized
   Assets
   USDETH
   USDERC20
   ETHERC20
   What currency or assets
   did you pay with?
   How much is available
   for you to spend?
   Customers
   How much usage
   are you billed for?
   Service Providers
   How much can you take
   out of the pool?
   Withdrawals
   Market Rates
   Billable Usage
   Spendable Balance
   Purchases
   Reward
   Pool
   Locked
   Reserve
   Rendered
   Services
   Contributes
   towards
   Redeem
   against
   Backs the
   value of
   Orchestrate
   Workflows
   Schema-driven
   APIs
   Bill for
   Usage
   Serve
   Users
   Connect to Data
   Sources
   Blockchain
   On-chain Assets
   Smart Contracts
   Full or Light Node
   Cloud
   Log-based Ingestion
   Query-based Integration
   Service-based Invocation
   Human
   Judgment
   Request
   Review
   Take Action
   Machine
   Learning
   Observe
   Suggest Action
   Get Feedback
   Device
   Device Storage
   Secure Enclave
   App-specific APIs
   Apps
   Cards
   APIs
   Prepaid
   or
   Subscription
   Decision
   Queuing
   Threading
   Authorization
   Metering
   Indexing
   Persistence Versioning
   Signature
   Notification
   Authentication
   Automation
   Card
   Catalog
   User
   Experience
   Identity
   Representations
   Payment
   Methods
   Cards built with the Card SDK can be:
   - deployed in a stand-alone Web app
   - embedded inside another app
   - overlaid across multiple apps
   © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com © 2019 Cardstack Foundation. Cardstack® is a registered trademark. https://cardstack.com
   Developers can create cards by writing:
   - templates (HTML + CSS + JavaScript)
   - schema definitions (JSON:API)
   - data source mapping and computation (JS)
   Content Cards
   Stand-alone
   Embedded
   Overlay
   Data Cards
   Asset Cards
   0xABCD...4321
   2.03 ETH
   Membership Card
   Since 2018
   Contact Card
   mi***@gm***.com
   Credential Card
   Signed in as
   Subscription Card
   BASIC
   Per Month
   $5
   Credit Card
   Reload
   $25
   $10
   $5
   Reward Card
   Earned
   $13.19
   Prepaid Card
   Available
   $64.13
   Action Cards
   WITHDRAW
   VERIFIED
   

   View Slide

7. p
   b
   d
   u
   USERS
   PROVIDERS
   BUSINESSES DEVELOPERS
   One unified SDK to create,
   deploy, and upsell
   CARDSTACK
   FOCUS ON DEVELOPMENT TOOLS
   CATALOG
   TALLY REWARD
   FLOW CARD SDK
   HUB
   

   View Slide

8. p
   b
   d
   u
   USERS
   PROVIDERS
   BUSINESSES DEVELOPERS
   CATALOG
   TALLY REWARD
   FLOW
   CARDSTACK
   FOCUS ON PROTOCOL
   CARD SDK
   HUB
   STAKE BILLING
   WALLETS CLOUDS
   Deposit
   Deploy
   Record
   Back
   Redeem
   Calculate
   Govern
   

   View Slide

9. p
   b
   d
   u
   USERS
   DEVELOPERS
   PROVIDERS
   BUSINESSES
   FLOW CATALOG
   TALLY REWARD
   SPACE
   CARD SDK
   HUB
   FOLIO
   STAKE BILLING
   NETWORK
   PRICE LIST
   CHAINS
   CLOUDS
   DOMAINS
   WALLETS
   Publish
   Run
   within
   Earn
   Deploy
   Query
   Go to
   Send
   between
   Deliver
   Subscribe
   Calculate
   Govern
   Back
   Message
   Inform
   Deposit
   Notify
   BETA
   0.14
   BETA
   TESTNET
   $5/MONTH
   Join
   Deduct
   Record
   0.14
   TESTNET
   BETA
   Use or
   Buy
   Package
   CARD AT REST
   CARD IN MOTION
   Authorize
   LAYER 1 / LAYER 2
   CARDSTACK
   PRODUCT GRID
   Redeem
   NEXT
   NEXT
   NEXT
   NEXT
   NEXT
   

   View Slide

10. p
    b
    d
    u
    USERS
    PROVIDERS
    BUSINESSES DEVELOPERS
    CARDSTACK $5 per month
    for everything you need
    One unified SDK to create,
    deploy, and upsell
    One stack to manage on
    any containerized cloud
    White-label software
    with open source core
    

    View Slide

11. CARDSTACK
    • Preparing the public beta launch of Card Folio, the first consumer-facing
    product from Cardstack, running on Cardstack Hub as the back-end.
    • Tally and the CARD Protocol going on Rinkeby testnet in July 2019.

    More in-depth talk on protocol, smart contracts, and user interface coming next.
    • Expect on-going updates on the developer experience of the Card SDK, e.g.
    quick start guide and comprehensive documentations.

    Framework does all the hard work so the web developers can focus on features of their cards.
    

    View Slide

12. CARDSTACK
    © 2019 CARDSTACK FOUNDATION. CARDSTACK® IS A REGISTERED TRADEMARK.
    

    View Slide